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The clashes between early European settlers and Native Americans were caused by multiple factors, but the most significant among the options provided include:
1. **Europeans wanted the Native Americans to convert to European religions.** This often led to tensions as settlers sought to impose their beliefs on Native populations.
2. **Native Americans believed the Europeans were hiding gold and silver from them.** This perception fueled distrust and conflict as Native Americans sometimes felt exploited or deceived by the newcomers.
While these two answers are the most directly related to the clashes, other factors such as competition for resources and land disputes also played significant roles in the conflicts.